Apply for a Personal Loan or Car Loan from your couch in minutes!

A simple, fast and painless way to apply for a personal loan or a car loan with all the support of a team of finance brokers … all without leaving your home!

Easy to use application

Free to create a One Click Life account

Easy Personal Loan application process

Free advice if you need help

Look after your financial life admin!

Trusted nationwide by

One Click Life Trusted Partners logos: Tax Return Estimate, CPA, FinTech Australia, Australian Owned Certified, Tax Practitioners Board Registered

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Competitive interest rates from 9.04%(1)(Comparison rate 9.88%(2))

No ongoing fees from One Click Life

Simple loan application process

Quick turnaround and response

Stay online while we do the work

Flexible terms and repayment options

How to apply for a Personal Loan
or Car Loan with One Click Life

Sign-up or sign-in to your One Click Life account

First thing is first, make or log-in to your One Click Life account. Once you fill in your information, your details will be saved and auto-populated every time you login. 

personal loan step 1

Save time with pre-filled loan details

One Click Life automatically pulls data from the ATO, pre-filling your Personal Loan or Car Loan application, to save you time and hassle of locating documents.

personal loan step 2

Completing a Personal Loan or Car Loan application takes minutes!

Tell us what the loan is for and how much you need for your car loan or personal loan and we’ll find the best bank for you.

personal loan step 3

We’ll do the hard work for you!

Once you’re done, we’ll touch base to say hi and then get you the best Personal Loan or Car Loan.

personal loan step 4

Wait for the loan proceeds

Time to relax, we’re onto it!

personal loan step 5

Chillax! We’ll take care of your personal loan.

Want to speak to a finance broker, no worries!

You’re not in this alone, we’ve got your back. Our team of finance brokers are happy to talk to you about your personal loan or your car loan. We want to make sure you have all the information you need and get the best deal possible.

personal loan debt consolidation

Debt Consolidation

If the debts are stacking up, let us help you consolidate and get back on top of your debt. You may be able to reduce your repayments and interest rates by consolidating debts.

personal loan renovations


Need a new bathroom, kitchen or a garage? Or simply want to finish furnishing your house or upgrade your style! A Personal Loan may be a quick and easy way to access the money you need.

personal loan holidays


Who doesn’t need a holiday! It’s simple to access a loan of over $5k to take yourself on that holiday you need. The Personal Loan application process takes minutes to complete!

personal loan vehicle


Our Car Loan application is simple and we can help you fund cars, motorbikes, trucks or caravans and boats!

Complete a Personal Loan application in minutes

Complete a Car Loan application in minutes

Get live help from a team of finance brokers

Free account to manage your financial life admin

Personal Loans and Car Loans made simple!

Over 100,000 Aussies have selected One Click Life!

“Simple, no frills, maximum return!”

Simple and very convenient!

Very easy to use, simple and straightforward. Not to mention very convenient. Will be using this service in the future.

Ebony C

Godsend for people who can’t get to a tax agent office

Took about 10 minutes on the phone and my return estimate went from me owing ATO to getting a thousand back. Being able to do it from home was a game changer. 


So simple, quick and efficient

They have done 3 of my tax returns so far and I’ll be sticking with them. So simple, quick and efficient and any queries or questions are explained with excellent customer service. Thank you.

Shenai W

Frequently Asked Questions

Does it cost me anything to apply for a personal loan through One Click Life?

What is the minimum Personal Loan amount I can apply for?

What is the minimum Car Loan amount I can apply for?

What are the personal loan eligibility requirements?

I’m unemployed at the moment, can I apply for a personal loan?

Can I apply for a personal loan if I’m employed part time?

Can I apply for a personal loan if I’m employed part time?

Can I apply if I’m not an Australian resident?

Can I repay my Personal Loan quicker?

Absolutely! If this is a priority we’ll make sure we have a lender that doesn’t penalise for early loan repayments.

A simple, fast and painless way to apply for a personal loan or a car loan

  1. This rate applies only to borrowers with great credit histories. We can also obtain loans at higher rates to applicants with good histories, but do not meet the requirements for our lowest rates. Interest rates range from minimum 9.04% p.a. to over 20% p.a.
  2. Comparison rate(s) based on $30,000 unsecured loan, fixed interest rate for 5 years, with monthly repayments.